1. Introduction and Acceptance

    This website is operated by Folio Financial Solutions Pte. Ltd. By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. If you do not agree, you must stop using the website immediately.

  2. Purpose of the Website

    The website is intended to provide general information about Folio Financial Solutions and to facilitate initial communication. Content made available on this website does not constitute financial advice, professional recommendations, or a binding offer of services.

  3. Use of the Website

    You may use the website only for lawful purposes and in a manner that does not interfere with its operation or security. You must not:

    • Attempt to access restricted areas or systems without authorisation
    • Introduce malicious software, scripts, or automated tools
    • Misuse website content or functionality
    • Engage in activity that may damage the website or affect other users
  4. Information You Provide

    Any information submitted through the website must be accurate and provided in good faith. You are responsible for ensuring that information you submit does not violate applicable laws or the rights of others. Folio Financial Solutions reserves the right to disregard or remove submissions that are misleading, unlawful, or inappropriate.

  5. Intellectual Property

    All website content, including text, layout, graphics, branding, and digital materials, is owned by Folio Financial Solutions or used under licence. Content may not be copied, modified, distributed, or reused without prior written permission.

  6. Brand and Identifiers

    Names, logos, trademarks, and other identifiers displayed on the website are protected. No licence or right is granted to use these identifiers without express authorisation.

  7. External Links and Services

    The website may include links to third-party websites or services. These links are provided for convenience only. Folio Financial Solutions does not control third-party platforms and is not responsible for their content, availability, or data practices.

  8. Accuracy and Updates

    While reasonable care is taken to ensure accuracy, information on the website may be incomplete or outdated. Content may be updated, revised, or removed at any time without notice.

  9. Website Availability

    Access to the website may be interrupted due to maintenance, technical issues, or circumstances beyond reasonable control. Continuous availability is not guaranteed.

  10. No Reliance

    Website content should not be relied upon for decision-making. You are responsible for obtaining independent advice before acting on any information presented on the website.

  11. Security Disclaimer

    Although reasonable safeguards are in place, no online system is entirely secure. Use of the website is at your own discretion and risk.

  12. Disclaimer of Warranties

    The website is provided on an “as is” basis. No warranties are made regarding accuracy, reliability, suitability, or availability.

  13. Limitation of Liability

    To the fullest extent permitted by Singapore law, Folio Financial Solutions is not liable for losses or issues arising from use of the website, including technical failures, inaccuracies, or unauthorised access.

  14. Indemnity

    You agree to indemnify and hold harmless Folio Financial Solutions from claims or liabilities arising from your misuse of the website or breach of these Terms.

  15. Circumstances Beyond Control

    Folio Financial Solutions is not responsible for delays or failures caused by events outside reasonable control, including system outages, network failures, or actions by public authorities.

  16. Suspension or Restriction

    Access to the website may be restricted or suspended where misuse or breach of these Terms is identified.

  17. No Relationship Created

    Use of the website does not create a professional, advisory, client, or contractual relationship.

  18. Severability

    If any provision of these Terms is found unenforceable, the remaining provisions remain effective.

  19. Entire Agreement

    These Terms constitute the entire agreement governing use of the website and replace any prior understandings relating to website access.

  20. Governing Law

    These Terms are governed by the laws of Singapore. Any disputes relating to website use shall be subject to the jurisdiction of the courts of Singapore.

  21. Contact Information